Save on 1999 Chevrolet Malibu Car Insurance Quotes

I can’t think of a single person who anticipates paying for insurance coverage, particularly when they could find better prices if they shop around. Consumers have many car insurance companies to pick from, and although it’s a good thing to be able to choose, it can be more challenging to get the best deal.

You should make it a habit to get comparison quotes before your next renewal because insurance coverage rates are usually higher with each renewal. Even if you got the best rate for Malibu coverage a few years ago there may be better deals available now. Block out anything you think you know about insurance coverage because we’re going to demonstrate the tricks you need to know to get good coverage at a lower rate.

Choosing the best insurance company for you is easy if you know what you’re doing. If you are insured now or are just looking to switch companies, you can learn to get lower rates and still get good coverage. Drivers just need to learn how to get comparison rates on the web.

Auto insurance discounts are available to cut your rates

Car insurance is not cheap, but you might be missing out on some discounts to help bring down the price. Larger premium reductions will be automatically applied at the time of quoting, but some discounts are required to be asked for before they will apply. If they aren’t giving you every credit available, you could be paying more than you need to.

• Braking Control Discount – Cars that have anti-lock braking systems are safer to drive and the ABS can save up to 10%.
• Own a Home and Save – Just being a homeowner can earn you a little savings due to the fact that maintaining a home requires a higher level of personal finance.
• Discount for Life Insurance – Larger auto insurance companies have a lower price if you buy a life policy as well.
• Good Grades Discount – This discount can save 20 to 25%. The good student discount can last up to age 25.
• Renewal Discounts – Some insurance companies provide a discount for buying a policy before your current policy expires. The savings is around 10%.
• New Car Discount – Adding a new car to your policy can be considerably cheaper since new vehicles are generally safer.
• Air Bag Discount – Factory air bags may get savings of more than 20%.

It’s important to understand that most of the big mark downs will not be given to your bottom line cost. Some only apply to the cost of specific coverages such as liability and collision coverage. Even though the math looks like you can get free auto insurance, companies wouldn’t make money that way.

If you would like to choose from a list of auto insurance companies who offer online auto insurance quotes, click here to view.

How to compare free car insurance quotes

Cutting your car insurance rates can be surprisingly simple. All you need to do is spend a few minutes to compare rate quotes from online providers. Price comparisons can be done by following the guidelines below.

1. The most efficient way to find low rates would be an industry-wide quote request form (click to open form in new window). This quick form prevents you from having to do repetitive form entry for every prospective company. In just a few minutes this one form compares rates from many national carriers.
2. A more time consuming way to compare prices consists of going to the website of each company and request a quote. For sake of this example, we’ll pretend you need rates from Geico, Esurance and American Family. To find out each rate you need to take the time to go to each site and enter your information, which is why most consumers use the first method.

   For a list of companies in your area, click here.

Whichever method you choose, be sure you’re using exactly the same coverage data for each quote you get. If each company quotes differing limits it will be nearly impossible to determine which rate is truly the best.

How insurance companies calculate Chevy Malibu insurance rates

When buying insurance it’s important to understand a few of the rating criteria that aid in calculating the price you pay for insurance. If you know what impacts premium levels, this allows you to make good choices that will entitle you to much lower annual insurance costs.

The itemized list below are a few of the things used by companies to determine your rate level.

• Premiums are lower the older you get – Older drivers are more responsible, cause fewer claims and accidents and get fewer tickets.Beginning drivers are known to be inattentive when at the wheel of a vehicle so insurance rates are higher.
• How do annual miles impact premiums? – The higher the mileage driven every year the higher the price you pay to insure it. A lot of companies charge rates based on their usage. Vehicles used primarily for pleasure use can get a lower rate than those used for commuting. Ask your agent if your insurance declarations sheet correctly shows the right rating data, because it can save money. An incorrectly rated Malibu may be costing you.
• Do you have a high stress job? – Do you have a high-stress occupation? Jobs such as doctors, social workers and stock brokers usually pay the highest average rates because of intense work situations and lengthy work days. Conversely, careers like actors, athletes and the unemployed pay the least for Malibu coverage.
• Policy add-ons may be wasting money – There are a ton of extra add-on coverages that you can buy but may not be useful. Coverage for things like personal injury protection, better glass coverage, and extra equipment coverage may be costing you every month. The coverages may be enticing when discussing your needs, but if you have no use for them eliminate the coverages to reduce your premium.
• Liability limits should be high – Your insurance policy’s liability coverage will afford coverage in the event that you are found liable for causing damage or personal injury in an accident. It will provide legal defense coverage to attempt to prove you were not liable. Liability insurance is quite affordable when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.

Everyone needs different car insurance coverages

When buying the best car insurance coverage for your vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions might point out whether or not you could use an agent’s help.

• Should I carry comprehensive and collision coverage?
• Are there companies who specialize in insuring high-risk drivers?
• I have health insurance so do I need medical payments coverage?
• What companies insure drivers after a DUI or DWI?
• How much liability do I need to cover my assets?
• Do I get a pro-rated refund if I cancel my policy early?
• Am I covered when renting a car or should I buy coverage from the car rental agency?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Auto insurance advertisements

Consumers can’t escape the ads for the lowest price auto insurance by State Farm, Allstate and Geico. All the ads make the point that you can save if you just switch your policy.

How can each company charge you a lower premium? Here is the trick they use.

Different companies require specific criteria for the type of insured that makes them money. A good example of this type of risk profile could possibly be over the age of 50, has a clear driving record, and has a short commute. Any driver who meets those qualifications gets the lowest rates and therefore will save if they switch.

Potential customers who don’t qualify for those criteria must pay higher premium rates and business going elsewhere. Company advertisements say “customers that switch” not “everyone who quotes” can save as much as they claim. That’s the way companies can claim big savings. Different companies use different criteria so it is so important to compare free car insurance quotes often. It’s just not possible to know the company that will provide you with the cheapest rates.

Auto insurance 101

Having a good grasp of a auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types found on most auto insurance policies.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Collision coverage protection

Collision insurance will pay to fix damage to your Malibu resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like colliding with a tree, crashing into a ditch, rolling your car and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from getting keyed, vandalism, theft and falling objects. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for expenses for rehabilitation expenses, ambulance fees, hospital visits, doctor visits and pain medications. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability coverages

This coverage will cover injuries or damage you cause to other people or property in an accident. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like loss of income, court costs, emergency aid, bail bonds and structural damage. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

The bottom line

In this article, we presented a lot of information how to lower your 1999 Chevy Malibu insurance auto insurance rates. The key concept to understand is the more providers you compare, the better your chances of lowering your premium rates. Consumers could even find that the lowest auto insurance rates are with an unexpected company. Some small companies often have lower premium rates on specific markets compared to the large companies like State Farm and Allstate.

When getting car insurance quotes online, do not reduce needed coverages to save money. In too many instances, someone sacrificed liability coverage limits only to discover later that it was a big error on their part. The goal is to purchase plenty of coverage at the lowest possible cost, but do not skimp to save money.

Cheaper car insurance can be sourced online in addition to many insurance agents, so you need to quote car insurance with both to have the best chance of lowering rates. Some companies do not provide internet price quotes and these small, regional companies prefer to sell through independent insurance agents.

Other learning opportunities

• Rental Car Insurance Tips (Insurance Information Insitute)
• Who Has Affordable Auto Insurance for a Chevrolet Malibu in Dallas? (DallasCoverage.com)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Parking Tips to Reduce Door Dings (State Farm)
• Prepare your Teens for Safe Driving (InsureUonline.org)